苏北农村信用社商业化改革的研究

发布时间：2019-07-05 10:56

【摘要】：农村信用社的改革是农村金融体系改革的重要部分，自建国以来，我国农信社就一直在不断地进行改革调整。2003年最新一轮的改革以来，农信社改革不断取得阶段性成果，随着城乡一体化进程加快、国有商业银行逐步收缩县域以下网点、农业产业结构的调整升级以及农村金融需求结构的变化，作为支持农村金融发展主力军的农信社不断加快产权模式的改革创新。但由于农信社积留了大量沉重的历史包袱和自身经营管理难题，使得农信社改革还面临很多问题。江苏省是农信社改革试点省份之一，农信社作为江苏省农村金融的主要供给者，对农村经济的发展有至关重要的作用。因此我们首先需要了解江苏省农村金融发展与农村经济增长究竟属于什么样的关系，是“供求领先型”还是“需求遵从”型，以为农村金融机构改革提供必要的理论和实证支持。其次，我们还认识到江苏省区域经济差异较大，苏南苏北之间存在明显的差距。自农信社试点改革以来，苏南地区张家港、常熟和江阴三家农信社的股份制改革取得了不俗的成绩，为其他地区农信社改革提供了榜样，树立了旗帜。苏北不同于苏南，农业在苏北经济发展中占有重要的地位.苏北作为全国重要农产品生产基地，是江苏省农业生产的主要地区。因此作为支农主力的农信社如何进行改革，对于促进苏北农业经济发展、推动农业产业化进程和提高农民生活水平有着重要的影响。此轮农信社改革的目标是明晰产权、改善管理的同时还要坚持服务“三农”，且遵循因地制宜的原则。但根据最近几年银监会相关文件，农信社改革基本明确了商业化模式的改革方向，要将农信社改革成为现代企业的商业银行。苏北不能盲目照搬苏南模式，必须要结合农村经济发展和金融需求的现实状况，否则盲目追求商业化经营而忽略“三农”利益就会违背改革的初衷。本文拟以苏北地区的L农村商业银行为例，分析其改革的动因、过程和模式的确立，并评价其改革的效果，，希望能对苏北农信社的深化改革提供一些有益的建议。本文可分为以下几个部分：第一章是绪论，介绍了选题的背景和意义，国内外研究综述，论文的研究内容、研究方法和技术路线，创新点与不足，为接下来论文的展开提供相应的理论基础和逻辑框架。第二章对本文的理论基础进行梳理，重点介绍了金融发展理论、合作金融理论、现代金融企业理论和制度变迁理论，为农信社改革提供必要的理论基础。第三章通过建立VAR模型对江苏省农村金融发展与经济增长的关系进行实证分析，得出江苏省金融发展处于“需求遵从”模式，为下一步农信社改革方向的确立奠定了基础。第四章介绍了苏北农信社改革的背景。分别阐述了苏北农信社改革的历史沿革、苏北农信社深化改革的原因，并且研究了农信社改革的苏南模式，分析了苏北与苏南的差别从而指出苏北农信社改革不能急功近利，要结合自身实际有步骤的进行改革。第五章以L农商行为案例，分析其改革的动因、过程和现状。第六章对L农商行的改革效果进行评价。分别从制度评价、支农服务评价和经营绩效评价三个方面进行综合评价。第七章结合前文的分析研究对苏北农信社的深化改革提出相应的建议，并对全文进行总结。
[Abstract]:The reform of the rural credit cooperatives is an important part of the reform of the rural financial system. Since the founding of the People's Republic of China, our country's agricultural and information society has been constantly reforming and adjusting. Since the latest round of reform in 2003, the reform of the rural credit cooperatives has made a period of achievements, and with the acceleration of the integration of the urban and rural areas, The state-owned commercial bank gradually contracts the following points in the county, the adjustment of the agricultural industrial structure and the change of the structure of the rural finance demand, and as the main force to support the rural financial development, the agricultural and information society is constantly speeding up the reform and innovation of the property right model. However, because of the large and heavy historical burden and the problem of self-management, the reform of the agricultural credit cooperatives also faces a lot of problems. Jiangsu Province is one of the pilot provinces in the reform of the agricultural and information society, and it is of vital importance to the development of the rural economy as the main provider of rural finance in Jiangsu Province. So we first need to know what kind of relationship between rural financial development and rural economic growth in Jiangsu Province, whether it is a "supply and demand lead" or a "demand compliance" type, to provide the necessary theoretical and empirical support for the reform of rural financial institutions Second, we also realize that the regional economic difference of Jiangsu Province is great, and there is a clear difference between Jiangsu and Northern Jiangsu Since the pilot reform of the Agriculture and Information Society, the joint-stock reform of Zhangjiagang, Changshu and Jiangyin of South China has made remarkable achievements, and provided an example for the reform of the agricultural and information society in other regions, and set up the flag In the north of Jiangsu, the agriculture plays an important role in the economic development of northern Jiangsu. As an important agricultural production base in the whole country, Northern Jiangsu is the main production base of agricultural production in Jiangsu Province. Therefore, it is important to promote the development of agricultural economy in northern Jiangsu, to promote the process of agricultural industrialization and to improve the living standard of the peasants. In response to this, the objective of the reform of the wheel is to clear the property right, to improve the management, to adhere to the service "rural and rural areas" and to follow the local conditions However, according to the relevant documents of the CBRC in recent years, the reform of the agricultural credit cooperatives has clearly defined the reform direction of the commercial mode, and it is necessary to reform the agricultural credit cooperatives into the commercial banks of modern enterprises In the Northern Jiangsu, it is not possible to blindly copy the Soviet model, and it is necessary to combine the reality of the rural economic development and the financial demand. Otherwise, the blind pursuit of the commercial operation and the neglect of the "rural and rural areas" 's interests will go against the beginning of the reform. The paper, taking the L-rural commercial bank in the northern Jiangsu area as an example, analyzes the reason, process and model of the reform, and evaluates the effect of the reform, and hopes to provide some useful construction for the reform of the North Jiangsu Agricultural Credit Union. The article can be divided into the following The first chapter is the introduction, introduces the background and significance of the topic, the research of the home and abroad, the research contents, the research methods and the technical route, the innovation point and the deficiency, and provides the corresponding theoretical basis for the development of the next paper. The second chapter, based on the theory of the paper, mainly introduces the theory of financial development, the theory of cooperative finance, the theory of modern financial enterprise and the theory of institutional change, and provides the reform of the cooperative society. The third chapter makes an empirical analysis of the relationship between rural financial development and economic growth in Jiangsu Province through the establishment of VAR model, and draws a conclusion that the financial development in Jiangsu Province is in the "demand compliance" mode, and it is the next step in the reform of the agricultural and information society The establishment of the foundation is laid down in chapter IV. The paper expounds the historical evolution of the reform of the agricultural and information society in northern Jiangsu and the reasons for deepening the reform of the agricultural and information society in the northern part of Jiangsu Province. The reform of the agricultural and information society can't be quick and close, and should be combined with the self-government To carry out the reform in a step-by-step manner. Chapter V is based on the case of L-farmer's behavior. The motivation, process and present situation of the reform This chapter evaluates the effect of the reform of the L-farm business. The comprehensive evaluation of the three aspects of the performance evaluation of the battalion is carried out. Chapter 7, in combination with the above analysis, changes the deepening of the North Jiangsu Agriculture and Information Society
【学位授予单位】：南京林业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

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